The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Here are three ways in which you can revive your policy: Ordinary revival: If you opt to revive the policy within six months from the period of first unpaid premium, you need not give any personal statement on the condition of your health.s a result your policy lapses and you end up losing life cover. Primarily there are two kinds of insurance policies. One type of policy is simple insurance without any investment, also called as term policy.